Question: Which of the following is not a characteristic of (or rationale for obtaining) a home equity line of credit? a. A home-equity line of credit might be more beneficial than a straight home-equity loan if you expect to have multiple or recurring expenses. b. Like a credit card, home-equity lines of credit come with a credit limit tied to the amount of equity you have built up in your home. c. You receive a lump sum at the outset, which, like a credit card balance, accrues interest over time until repaid. d. Home-equity lines of credit are secured by your home. e. Home-equity lines of credit can have interest rates that adjust over time. Question: Which of the following is a means by which banks can return capital shareholders? a. Share repurchase b. Rights issue c. Stock split d. Equity-for-debt swap e. Secondary equity offering